Helen Pearce
21 Jan 2026Ryan is very knowledgable on all things mortgages and property. He is always happy to answer any questions and made me feel at ease throughout my flat purchase journey and beyond. 100% recommend!!
Pennie Mortgages is an FCA-regulated mortgage broker based in Bournemouth, Christchurch and Poole, BH14 0JD, specialising in Buy-to-Let, First Time Buyers, Residential. Rated 5/5 from 55 reviews.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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Helen Pearce
21 Jan 2026Ryan is very knowledgable on all things mortgages and property. He is always happy to answer any questions and made me feel at ease throughout my flat purchase journey and beyond. 100% recommend!!
Jorden Hardwick
4 Dec 2025Ryan was so helpful throughout our house buying journey. As first-time buyers, we had lots of questions and felt overwhelmed by the mortgage process, but he was always quick to help and reassure us (even if we had silly questions). We would highly recommend him!! Thank you, Ryan, for making the whole experience far less stressful - we know exactly who to go to in the future! ☺️🏡
Beth Smyth
12 Aug 2025As first-time buyers, we had no idea what to expect, but Ryan made the whole process so much easier. He was incredibly patient, explaining everything clearly and answering all our questions, no matter how big or small. He was always quick to respond, proactive in keeping us updated, and genuinely went above and beyond to make sure we felt supported every step of the way. We couldn’t have asked for a better mortgage broker, and we’d happily recommend Ryan to anyone looking to buy a home.
faye cornick
6 Aug 2025As a first-time buyer, the mortgage process felt overwhelming at first, but Ryan made everything incredibly smooth and stress-free. He was extremely helpful throughout the entire journey, always available to answer any questions I had (often straight away!) and took the time to explain everything clearly. Ryan regularly checked in with us for updates which really helped to keep things moving and made us feel informed and supported at every stage. He also worked tirelessly to secure a fantastic deal for us, even when things were looking bleak, he kept positive and kept pushing. I genuinely felt like he had our best interests at heart. I can't recommend Ryan highly enough! He is knowledgeable, responsive, and truly committed to getting you the best outcome. He will always be our go to! Thanks so much Ryan!!
Lisa O’Sullivan
6 Aug 2025Ryan was amazing, we are both in our mid 50s and were concerned about whether we could even get a mortgage. He was calm, kind and eased us through the process, death with everything, kept us informed thought the process and once we had an offer accepted and ready to apply thanks to his due diligence the mortgage offer was through in just 2 days! The cherry on the top of this service was due to a delay in local searches the mortgage rates had dropped, he then got us a a rate reduction with out lender prior to exchange. Really lovely guy, exceptional service, we would highly recommend him far and wide. He can deal with anyone you don't need to be local.
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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